My out~of~pocket costs are going through the roof. Not from the drugs themselves but the copays and deductibles. The insurance company is gaming the system.
Can you reduce what insurance covers, like remove from your plan, and just pay out of pocket?
It is a situation that needs to be dealt with.
I favour HSAs to allow people to build up investment accounts tax free to help fund their healthcare.
Every sonofabitch in the healthcare system from pharmacies to therapists to brain surgeons, is gaming the system.
Long ago I had a good friend who was studying to be a doctor. Years go by and another friend, a new one, tells me how his wife got fired from a medical practice for refusing to falsify records that would allow the practice to rob the gubmint. Lo and behold, the practice belonged to my old friend the doctor!
True story I swear!
Your right. Tell the pharmacy you are not using insurance.
I have a couple of what I would consider really high priced drugs. Normally I would get them through a local pharmacy, & I have a no-copay thing, but when I found out that the particular drugs were NOT on no-copay, I then could get them through one of the VA pharmacies at a reasonable price. If not for the VA plan, I’d be broke in no time.
I have a couple of what I would consider really high priced drugs. Normally I would get them through a local pharmacy, & I have a no-copay thing, but when I found out that the particular drugs were NOT on no-copay, I then could get them through one of the VA pharmacies at a reasonable price. If not for the VA plan, I’d be broke in no time.
My wife and I rarely use the insurance cost for a drug. Sure, the excess money you spend toward the drug and copays helps meet your annual deductible, but why? Let your operations or medical procedures meet that for you and get the GoodRX or store price without insurance. Walmart, Kroger, Sams Club, and Costco all have some super cheap prices on a number of prescriptions, when you ask.
I even get AbbVie coupons from that maker’s site that radically undercut even the GoodRX or Costco price. I just have to sign up each year, yet, I have insurance.